101 Center St, Winter Haven, FL 33880 Property Records

Polk County property record for 101 Center St, Winter Haven, FL 33880

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 950 sqft · built 1954
Lot Size	0.234 acres (10,206 sqft)
Owner	2 Individual Names on File
Last Sale	$236,000 (Jun 2023)
Tax Bill	$1,647 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`26-29-06-674400-000010`

Property Details

APN / Parcel Number

Primary APN	`26-29-06-674400-000010`
Alternative APNs	`062926674400000010` `62926000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	950 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Other
Lot Area	10,206 sqft (0.234 acres)
Lot Dimensions	146 ft deep x 70 ft wide
View / Lot	Commercial/Industrial
Garage Type	Carport
Garage Area	198 sqft
Carport	Carport
Carport Area	198 sqft
Porch	Finished/Open Porch
Porch Area	162 sqft
Utility Building	56 sqft

Location & Zoning

Street Address	101 CENTER ST
City	WINTER HAVEN
State	FL
Zip	33880-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LAKE SHIPP HEIGHTS UNIT NO 4 PB 36 PG 15 LOT 1
Legal Range	26E
Legal Township	29S
Legal Section	06
Legal Subdivision	LAKE SHIPP HEIGHTS UNIT 04
Legal Tract	674400
Legal Block	1
Legal Lot Number	1
Legal Unit	4
Jurisdiction	POLK FL
Township / Civil Division	WINTER HAVEN-AUBURNDALE
Census Block Group	1
Census Block	1079
Census Tract	14701

Owner

Source: Polk County assessment roll, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Jan 4, 2023	Warranty Deed, Transfer AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION
Jan 4, 2023	Intrafamily Transfer, Transfer AMERICAS TITLE GROUP, AMERICAS TITLE CORP
Jan 26, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jan 23, 2018	Warranty Deed, Transfer GREENLEAF TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 30, 2023 · Amount on Record
Deed Sale	Jun 30, 2023 · Amount on Record
Prior Sale	Jan 4, 2023 · Amount on Record
Deed Document Number	2023154207
Deed Book / Page	12748 / 1622
Prior Transfer Date	Dec 28, 2022
Prior Transfer Doc	0000002153
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jun 30, 2023
Property Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316
Document Number	0000154207
Book / Page	12748 / 1622
Map Reference	MB 36 PG 15
Instrument Date	Jun 23, 2023
Instrument	2023154207
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	OMEGA NATIONAL TTL AGCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 GRUBBS RD, WINTER HAVEN, FL 33880-4944

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316

Mortgage

Document Number	0127481624
Date	Jun 30, 2023
Instrument	12748/1624

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0000154209
Date	Jun 30, 2023
Book Page	12748/1636
Instrument	2023154209

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Aug 1, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 4, 2023
Property Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316
Document Number	0000002154
Book / Page	12540 / 563
Map Reference	MB 36 PG 15
Instrument Date	Dec 29, 2022
Instrument	2023002154
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	AMERICS TITLE CORPORATION, AMERICAS TITLE CORPORATION

Transaction

Amount	Amount Recorded
Tax	$826.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1625 N COMMERCE PKWY # PKWY315, PKWY315, WESTON, FL 33326-3216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK FL
Recording Date	Jan 4, 2023
Property Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316
Document Number	0000002153
Book / Page	12540 / 561
Map Reference	MB 36 PG 15
Instrument Date	Dec 28, 2022
Instrument	2023002153
Transaction Type	Transfer
Record Updated	Jan 19, 2023
Title Company	AMERICAS TITLE GROUP, AMERICAS TITLE CORP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1625 N COMMERCE PKWY # PKWY315, PKWY315, WESTON, FL 33326-3216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1625 N COMMERCE PKWY STE 315, 315, WESTON, FL 33326-3206

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 26, 2018
Property Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316
Document Number	0103782032
Book / Page	010378 / 002032
Instrument Date	Jan 17, 2018
Instrument	19141
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$546.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8975 LAKE PARK CIR S DAVIE FL 333287015, DAVIE, FL 33328-7015

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK FL
Recording Date	Jan 23, 2018
Property Address	101 CENTER ST, WINTER HAVEN, FL 33880-5316
Document Number	0103751042
Book / Page	010375 / 001042
Instrument Date	Jan 8, 2018
Instrument	16409
Transaction Type	Transfer
Record Updated	Feb 14, 2018
Title Company	GREENLEAF TITLE

Transaction

Amount	Amount Recorded
Tax	$336.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8975 LAKE EARK CIR S DAVIE FL 33328, DAVIE, FL 33328

Tax Assessment & Valuation

Source: Polk County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,647.00 (-31.8%) Homeowner's exemption	$164,732 (+15.91%) Land $13,500 Building $151,232	$164,732 (+15.91%) Land $13,500 Building $151,232
2023	$2,415.00 (+33.94%)	$142,121 (+22.24%) Land $13,000 Building $129,121	$142,121 (+22.24%) Land $13,000 Building $129,121
2022	$1,803.00	$116,264 Land $11,000 Building $105,264	$116,264 Land $11,000 Building $105,264

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	21 in force
Nearby Flood Claims	13 (1994–2022)
Claims Outside the SFHA	7 of 13
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Frances, Sep 2004 · 2 claims Severe Storms, High Winds, Tornadoes, And Flooding, Mar 1998 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992
Water Source	Groundwater
Last State Inspection	Dec 2021
Lead	7 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Sep 2021
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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